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Satisfaction on Physical Facilities of Dwelling Units under Low
Income Public Housing in Kerala - An Analysis and Review
Dr. Jins Mathew
Research and Post Graduate Department of Commerce Pavanatma College, Murickassery, Idukki
District, Kerala State, India
DOI: https://dx.doi.org/10.51244/IJRSI.2025.1210000187
Received: 21 October 2025; Accepted: 25 October 2025; Published: 14 November 2025
ABSTRACT
Kerala, an Indian state in the south, is highly renowned for having high human development indices, especially
in the areas of education and health. Notwithstanding these successes, the state still has serious housing
problems, especially for its low-income citizens. Public housing for low-income individuals is an important
sector in which the state has made significant investments. Kerala has gone a long way in terms of sheltering its
impoverished citizens. Numerous initiatives, like as the Pradhan Mantri Awas Yojana (PMAY), have been
successfully used to build thousands of houses. Launched in 2017, the LIFE Mission seeks to house every
homeless family by 2024. The state has been building homes and apartments as part of its aim, making sure that
necessities like power, water, and sanitary facilities are available. The demand for affordable housing still
outpaces the supply despite these efforts. Due to increased urbanisation and population expansion, shortages are
particularly acute in metropolitan areas. Even if they have more room, rural communities still struggle with
connection and infrastructure. This article looks at Kerala's low-income public housing situation as it stands
now, the satisfaction on the physical facilities of the dwelling unit, the difficulties it faces, and possible solutions
for sustainable growth.
KeyWords: -House, Human Development, Affordable Housing, Housing scheme, Housing Satisfaction, Local
Governance
INTRODUCTION
The government is acting as a catalyst for providing homes for low-income people and other issues. In India, the
central and state governments formulate policies for providing adequate housing for the poor and marginalised
people. The housing policy aims to ensure everyone has a decent place to live. The nation's strategies for human
habitation are implemented through local self-government institutions. They plan, design, and implement
different schemes following the local conditions and circumstances based on their socio-economic and cultural
perspectives. The local self-government institutions play an active role in scheme design and implementation
aspects. They provide various types of assistance based on central and state housing policies. It includes housing
finance assistance in the form of subsidies, grants, finance for construction, etc., and other forms like apartments,
constructed dwelling units, etc.
Statement of the Problem
Satisfaction on dwelling among low-income groups is an important aspect of societal well-being. Adequate
housing is a basic human need and it also considered as determinant of human health, social inclusion, and
quality of life. However, for many individuals and families with limited financial resources, achieving
satisfactory housing conditions poses significant challenges. Housing satisfaction depends on a wide range of
elements, including the occupant's home, local amenities, neighbour relationships, and the location of the
housing unit. The physical components of the housing area, such as the common areas, ventilation and lighting,
kitchen, rooms, drainage system, sanitary latrines and bathrooms, etc., all have a role in the overall satisfaction
with the housing. The discernment of housing satisfaction is inclined primarily on the physical characteristics of
the house along with different aspects like housing affordability, socio cultural environment, and livelihood
opportunities. This research explores the satisfaction of the beneficiaries of the Kerala LIFE mission's housing
project with their dwellings and its basic amenities.
INTERNATIONAL JOURNAL OF RESEARCH AND SCIENTIFIC INNOVATION (IJRSI)
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Objectives of the Study
1. To study the importance of the physical facilities of the dwelling units towards beneficiary satisfaction.
2. To analyse the overall level satisfaction of the beneficiaries towards the physical facilities of the dwelling
units.
RESEARCH METHODOLOGY
The study employs both primary and secondary data sources. Primary data were collected from beneficiaries.
The stakeholders are surveyed with pre-tested organized schedules as part of the research's core data gathering
process.
The scope of the study is all Kerala. A multistage sampling procedure was used to choose the sample. The
samples of beneficiaries from each of the three LSGI categoriesCorporations, Municipalities, and Punjayats
separately. There are very little variances across geographic locations, except from beneficiary eligibility
differences amongst the three LSGI categories. Two Districts are therefore chosen in the first stage for the
sample. LSGIs are chosen in the second round of sampling as the focus of this study is housing assistance given
by local self-government organisations in Kerala. Respondents were chosen at the end from each designated
local self-government Institutions.
LITERATURE REVIEW
It is everyone's desire to own a home. The government is working to guarantee that Indians can afford homes.
Providing everyone with affordable housing is one of the major issues that emerging nations must deal with.
India is now experiencing a severe housing crisis. For those in the lower and medium income brackets, owning
a home has become a challenging reality. Therefore, in order to provide the general public with cheap housing,
it is imperative that innovative, cost-effective, and environmentally friendly housing technologies be included
during the construction process (Ambaliya et al., 2018). Kerala's public housing initiatives have been a
fundamental feature of the welfare agenda, demonstrating the state's dedication to social justice and inclusive
growth.
Residential satisfaction is a crucial metric that planners, architects, developers, and policy makers utilise in a
variety of ways. It is described as the feeling of fulfilment one has when they have or attain what they need or
desire in a house. The housing requirements theory, housing deficit theory, and psychological construct theory
are the three theories that are connected to residential satisfaction. Most empirical investigations have employed
one or more of these theories, or a mixture of them, in their study design. After analysing a number of variables
that reflect sociodemographic traits, housing and neighbourhood characteristics, and their perceptions of these
things, it has become clear that more research is necessary before a general theory of residential satisfaction or
dissatisfaction can be developed (Abidin et al., 2019). Physical characteristics were essential for those living in
regular housing, psychosocial factors and physical features were more significant for those living in assisted
housing. Adequate housing options for individuals with mental impairments need consideration of these factors
by legislators, policymakers, and nursing personnel (Daniel Babalola et al., 2016). Techniques for post-
occupancy evaluation were created to assess how occupants react to changes in their surroundings and connect
those reactions to tangible aspects of the space (Aigbavboa & Thwala, 2012). Using the Gauteng Province as a
case study, a methodology is put forth for forecasting and assessing the degree of housing satisfaction in South
African public housing projects (the economic centre of Southern Africa). The proposed model presupposes that
the adequacy level of the residence and its surroundings, as well as the beneficiaries' subjective happiness with
the housing environment, be measured (Aigbavboa, 2015). Five objective components of satisfaction were
examined in order to examine housing satisfaction: the social environment, public facilities, housing unit
features, housing unit support services, and neighbourhood facilities. Beneficiaries' levels of satisfaction were
measured using a Likert scale (Abdul & Nurul, 2018). The government must update the housing estate to make
it more visually beautiful and liveable in order to improve the perception and satisfaction of the estate among
residents and non-residents (Adeleye et al., 2014). Indigenous people have unique challenges when it comes to
housing and how it affects their health when they live in rural places (Ross S. & Wayte, 2006). Lack of space,
the requirement for particular kinds of rooms, and floor layouts that did not provide privacy appear to be the
INTERNATIONAL JOURNAL OF RESEARCH AND SCIENTIFIC INNOVATION (IJRSI)
ISSN No. 2321-2705 | DOI: 10.51244/IJRSI | Volume XII Issue X October 2025
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main causes of dissatisfaction. As a result, there was only moderate to poor satisfaction with the dwellings'
physical features (Yahaya et al., 1982). Both homeownership and housing pleasure are important determinants
of overall happiness when utilising housing satisfaction as an explanatory variable (Zhang et al., 2018).
Data Analysis and Interpretation
Demographic Profile
Demographic profile is regarded as an important component of all surveys and studies and it is the measurable
characteristic of a population. The researcher has attempted to frame the profile of respondents in the Ernakulam
and Idukki districts. The table 1 describe the respondent’s demographic profile of the beneficiaries of the housing
scheme. A residence that was or is still used as a primary residence. The geographical location in which an
'individual or family dwells' is referred to as their "area of residence". The Constitution of India has delegated
responsibility for housing and urban development to the state governments. At the local level, a dwelling and
shelter strategic plan would be prepared, which would be integrated with the poverty reduction scheme. “APL
and BPL categorization” is a financial benchmark based on a certain level of revenue. The Indian government
sets it. In general, absolute poverty limits are derived by assessing the survival requirements of diverse
households, such as food and shelter. The LIFE mission project provides housing assistance in various forms
based on the needs and aspirations by categorizing the prospective beneficiaries.
The Table 1, reveals the Local body-wise area of residence of the respondents, shows that 414 (67.9 percentage)
reside in an area under grama panchayat. Out of the 610 respondents, 141 (23.1 percentage) belong to
municipalities, and the number of respondents living in corporations is 55 (9 percentage). Table 1 also shows
the categorization of the respondents based on the poverty line. It depicts those 328 (53.8 percentage)
respondents under the BPL category, and 282 (46.2 percentage) of the respondents fall under the category of
APL.The Table 1 depicts 568 (93.1 percentage) respondents who became the housing scheme beneficiaries under
"homeless with the land." The landless and homeless categories consist of 34 (5.6 percentage) respondents.
Housing assistance is granted to some beneficiaries for completing their houses or converting non-liveable
houses into liveable houses, and the number of respondents under this category is 8 (1.3 percentage).
Table 1, Demographic Profile
Demographic Profile
Frequency
Percentage
Local body wise residence of the respondents
Panchayat
414
67.9
Municipality
141
23.1
Corporation
55
9.0
Categorization based on poverty line
BPL
328
53.8
APL
282
46.2
Category of beneficiary under the scheme
Homeless with land
568
93.1
Land less and Home less
34
5.6
Unfinished/Non-liveable Houses
8
1.3
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Source: Primary Data
Assessment of the Level of Satisfaction with Physical Facilities of the House
Housing satisfaction depends on a wide range of elements, including the occupant's home, local amenities,
neighbour relationships, and the location of the housing unit. The physical components of the housing area, such
as the common areas, ventilation and lighting, kitchen, rooms, drainage system, sanitary latrines and bathrooms,
etc., all have a role in the overall satisfaction with the housing. Mean Score Analysis is a simple analytical tool
applied to identify the level of agreement or the level of satisfaction of the variables under the research study.
Mean Score Analysis is quite powerful in categorizing the level when the data is collected by using any type of
scale. The respondents are asked about the nine facilities available in the house, like Kitchen, sanitary latrine
Electrification and plumbing, etc., on a five-point Likert scale. The responses are scored as 1 for ‘Highly
dissatisfied’, 2 for ‘Dissatisfied’, 3 for ‘Neutral’, 4 for ‘satisfied’ and 5 for ‘Highly satisfied. The total score of
the nine questions for all 610 respondents is found, based on which we calculate the mean percentage score of
the level of satisfaction of beneficiaries. 󰇣


󰇤. This score is classified into one of the
four groups as poor or low if the mean percentage score is less than 35 percentage, average if the mean percentage
score is between 35 to 50 per cent, good or medium if the mean percentage score lies in the interval 50 to 75
percentage and excellent or high if the mean percentage score is above 75 percentage. Overall housing
satisfaction is influenced by the physical aspects of the housing area, including the common areas, ventilation
and lighting, kitchen, rooms, drainage system, sanitary latrines and baths, etc.
Satisfaction Level of Beneficiaries on Physical Facilities of House in Corporations, Municipalities and Grama
Punchayets The management of urban areas with high population densities and levels of urbanisation is the
responsibility of a type of local government called a municipal corporation. An urban local government entity is
a municipality. Its primary duties are to provide the metropolitan population with public services. Rural local
governments are known as panchayats. It is in charge of managing a village's day-to-day operations, including
the upkeep of the village in various respects. The percentage score analysis of overall satisfaction with physical
dwelling amenities in corporations, municipalities and panchayats is shown in table 2.
Table 2, Satisfaction on Physical Facilities of House in Corporations, Municipalities and Grama Punchayats
Mean
N
Mean % score
Rank
3.98
610
79.57
1
3.96
610
79.25
2
3.96
610
79.11
3
3.94
610
78.79
5
3.92
610
78.33
7
3.94
610
78.72
5
3.93
610
78.59
6
3.94
610
78.85
4
3.91
610
78.20
8
Source: Primary Data, Note: N-No. of respondents
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The analysis of various physical amenities, including the kitchen, sanitary facilities, electrification, plumbing,
smoke-free challah, drainage system, bathrooms, bedrooms, verandas, and common areas, the total score lies
between the total score of 75 percentage to 100 percentage. It shows that they are very satisfied with the amenities
of the house.
Satisfaction on Physical Facilities of House on Beneficiary Category
The LIFE mission project provides housing assistance in various forms based on the needs and aspirations of the
prospective beneficiaries. The categorization of respondents based on the beneficiary category is Homeless with
land, Land less and Homeless and Unfinished/Non-liveable Houses. Housing satisfaction is influenced by the
physical aspects of the housing area, including the common areas, ventilation and lighting, kitchen, rooms,
drainage system, sanitary latrines and baths. Mean percentage score analyses of satisfaction on physical facilities
of the house on different beneficiary category have discoursed below. The Table 3 shows the Mean Percentage
Score analysis of overall satisfaction on physical facilities of the house by the beneficiary category Homeless
with land, landless and homeless, unfinished/non-liveable home.
Table 3 Satisfaction on Physical Facilities of House on Beneficiary Category Under Homeless with Land,
Land Less and Homeless and Unfinished/Non-Liveable Houses
Category
Mean
N
Mean % score
Rank
Kitchen
3.98
610
79.57
1
Sanitary latrine
3.96
610
79.25
2
Electrification and Plumbing
3.96
610
79.11
3
Smoke less challah
3.94
610
78.79
5
Drainage system
3.92
610
78.33
8
Bathrooms
3.94
610
78.72
6
Bed Rooms
3.93
610
78.59
7
Veranda
3.95
610
78.86
4
Common Room
3.91
610
78.20
9
Source: Primary Data, Note: N-No. of respondents
In table 3, the Mean Percentage Score analysis results used to gauge respondents' levels of satisfaction with the
homes' physical amenities fall under the heading of " homeless with land, land less and homeless and
unfinished/non-liveable houses." The range of average ratings for different physical amenities, such as the
kitchen, restrooms, plumbing, electricity, drainage system, bedrooms, bathrooms, verandas, and common areas,
is 75 percentage to 100 percentage. It demonstrates their high level of satisfaction.
Satisfaction on Physical Facilities of House on Beneficiary Category Based on Poverty Line
At the local level, a dwelling and shelter strategic plan would be prepared, which would be integrated with the
poverty reduction scheme. APL and BPL categorization is a monetary benchmark based on a certain level of
revenue. The Indian government sets it. In general, absolute poverty limits are derived by assessing the survival
requirements of diverse households, such as food and shelter. Table 4 shows the mean per cent score analysis of
overall satisfaction on physical facilities of the house by the beneficiaries comes under BPL and APL categories.
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Table 4, Satisfaction on Physical Facilities of House on Beneficiary Category Based on Poverty Line-BPL&APL
Category
Mean
N
Mean % score
Rank
Kitchen
3.98
610
79.57
1
Sanitary latrine
3.96
610
79.25
2
Electrification and Plumbing
3.96
610
79.11
3
Smoke less challah
3.94
610
78.79
5
Drainage system
3.92
610
78.33
8
Bathrooms
3.94
610
78.72
6
Bed Rooms
3.93
610
78.59
7
Varandha
3.94
610
78.85
4
Common Room
3.91
610
78.20
9
Source: Primary Data, Note: N-No. of respondents
Table 4 shows the results of the Mean Percentage Score Analysis used to scale respondents' overall satisfaction
with the homes' physical amenities under the "BPL, APL and General category." The range of average ratings
for different physical amenities, such as the kitchen, restrooms, plumbing, electricity, drainage system,
bedrooms, bathrooms, verandas, and common areas, is 75 percentage to 100 percentage. It demonstrates their
high level of satisfaction.
Findings and Suggestions
This study has provided valuable insights into the satisfaction levels of low-income households with their
dwelling units. The outcomes suggest that even with the challenges and limitations allied with low-income
housing, a significant majority of residents convey high level of satisfaction with their current dwelling units.
The leading factors causing to this satisfaction include accessibility, affordability and the availability of basic
amenities. The outcomes of this study have important propositions for policymakers, housing developers, and
practitioners. They highlight the need to prioritize affordability, community commitment, and the provision of
needed services in the development and management of low-income housing. By addressing these critical
factors, it is possible to initiate sustainable, liveable, and sustaining housing conditions for low-income
households.
Future research should focus on exploring the long-term impacts of low-income housing on residents' attributes
of life, health, and socioeconomic results. Furthermore, studies examining the impact of modern housing models,
on low-income households' satisfaction and well-being would be valuable contributions to the field.
CONCLUSION
Ultimately, this research exhibits that low-income housing can be more than just a roof over one's head; it can
be a base for pride, steadiness, and opportunity. By striving to make housing environments that highlights
residents' needs and aspirations, we can better build stronger, more resilient communities. Low-income public
housing in Kerala is a complex issue that requires continuous effort and innovation. While the state has made
commendable progress, significant challenges remain. By adopting a holistic approach that includes innovative
land use, streamlined processes, public-private partnerships, sustainable practices, financial support, and
community involvement, Kerala can move closer to its goal of providing safe, affordable, and sustainable
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housing for all its residents. This not only improves the quality of life for low-income families but also
contributes to the overall social and economic development of the state.
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